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First Federal Savings Of Middletown

Middletown, NY · Est. 1888 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

First Federal Savings Of Middletown is a bank based in Middletown, New York, established in 1888, with $186 million in total assets across 1 branch. By Trust Grade it ranks 9th of 118 banks we track in New York. Its capital ratio of 36.5% is stronger than 99% of similarly sized banks, versus a New York median of 10.4%. It was profitable over the most recent period, with a 2.08% return on assets. No consumer complaints against First Federal Savings Of Middletown appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$185.9M
$100M–1B institution
Deposits
$111.3M
Branches
1
Capital ratio
36.5%
Top 1% of $100M–1B peers · New York median 10.4%
Return on assets
2.1%
Top 11% of $100M–1B peers · New York median 0.84%
Rank in New York
#9
of 118 banks

How First Federal Savings Of Middletown compares to New York peers

Capital ratio
Top 1% of $100M–1B peers
First Federal
36.5%
New York median
10.4%
Higher capital ratio = stronger financial cushion
Return on assets
Top 11% of $100M–1B peers
First Federal
2.1%
New York median
0.8%
Higher ROA = more profitable relative to asset base

How we graded First Federal Savings Of Middletown

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (36.5% capital ratio)
  • Strongly profitable (ROA 2.08%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for First Federal Savings Of Middletown over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (1)

  • 22 James St, Middletown, NY 10940

Are deposits at First Federal Savings Of Middletown insured?

Yes. First Federal Savings Of Middletown is an FDIC-insured bank (FDIC certificate #28712). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

First Federal Savings Of Middletown: frequently asked questions

Is First Federal Savings Of Middletown a good bank?

First Federal Savings Of Middletown earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (36.5% capital ratio); Strongly profitable (ROA 2.08%).

Is First Federal Savings Of Middletown FDIC-insured?

Yes. First Federal Savings Of Middletown is a FDIC-insured bank (FDIC certificate #28712). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is First Federal Savings Of Middletown?

First Federal Savings Of Middletown holds $186 million in total assets, ranking 9th of 118 banks we track in New York. It operates 1 branch.

Does First Federal Savings Of Middletown have CFPB complaints?

No CFPB complaints against First Federal Savings Of Middletown appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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